We use cookies on this site to improve the user experience and analyze website traffic. To learn more about how we use cookies, please see our Manage Cookies page. You can adjust your cookie settings to allow only specific types of cookies. By continuing to use our site, you are agreeing to our Privacy Policy and cookies usage.
Home Equity Line of Credit (HELOC)
Enjoy 3.99% APR1 for the 1st six billing cycles
3.99% APR1 for the 1st six billing cycles
A Home Equity Line of Credit (HELOC) allows you to borrow money against the equity you have in your home and gives you the flexibility to conveniently access your funds when needed by check or your HELOC card.2 Monthly payments vary based on your balance.
- Purchases and advances are automatically added to your balance
- Pay interest on the funds you have used
- Maximum line of credit is $250,000
The used portion of the credit line may be converted to a fixed rate term loan, while the unused portion of the line remains available as needed.
1 Offer is only available for new Home Equity Line accounts. Introductory rate and term are as follows: fixed APR of 3.99% for the first 6 billing cycles. Thereafter, your APR is a variable rate based upon the prime rate as published in The Wall Street Journal plus a margin based on your creditworthiness and other credit criteria. Rates are subject to change. Prime rate is 6.75% as of June 23, 2026. Minimum APR of 3.99%; maximum APR of 21.00% in MS and TN; maximum APR of 18.00% in AL, FL and TX. Required initial advance of $5,000.00. Minimum monthly finance charge of $0.50. If a new credit line is at least $20,000.00, but less than or equal to $250,000.00, Trustmark will pay all closing costs with the exception of any required surveys and appraisals on homes located on five (5) acres or more.
- In Florida, bank paid closing costs are limited to $500.00.
- In Texas, customer-paid fees cannot exceed 2% of the original principal amount of the loan. Loan-to-value (LTV) cannot exceed 80% of the fair market value of the homestead when added to all other debt against the property. Additionally, the amount of the HELOC itself cannot exceed 50% of the fair market value of the homestead.
Your credit limit will be based on the amount of lendable equity in your home, your capacity to pay and a review of your credit report. Other restrictions may apply. Subject to credit approval. Full disclosure provided at time of application. Offer expires on September 30, 2026.
2 Checks and HELOC card are not available in Texas. Advances must be made at a Trustmark branch.
3 Custom Loan: Provides flexibility to lock designated advances into a fixed rate and term, while keeping available funds in the line of credit for future use. Rate and term determined at time of loan. No minimum loan amount. Maximum loan amount up to the available HELOC limit. The Custom Loan maturity must not exceed the maturity of the HELOC. The maximum number of Custom Loans within a HELOC is five. There is no fee for the Custom Loan option.